Educating Students About Travel Insurance

As the weather brightens and the days get longer, many students put away their books and take out their suitcases. The Canadian Federation of Students has over half a million members throughout the country, many of whom travel on school trips, reading week breaks and family visits.

Students can financially protect themselves from medical emergencies with our Emergency Hospital & Medical insurance for Canadians. They are covered for up to $2 million for emergency hospitalization and medical services, and $3,000 toward transportation for a family member or friend, so worried parents can be by their side during recovery when required. Of course students are also covered for emergency dental expenses, the return of a travelling companion and emergency transportation.

International students studying in Canada can receive up to $500,000 coverage for sickness or injury occurring in Canada including ambulance charges, rental of crutches or wheelchairs, and the services of a licensed physiotherapist. They are also covered for the costs of returning home due to an insured sickness or injury, dental emergencies and an annual eye examination.

Young people often think that travel insurance is better for older travelers like their parents. The truth is that insurance is a good idea for anyone travelling outside of where they normally reside. Students already have enough financial pressures in their young lives. They don’t need the stress of exorbitant hospital and medical bills as well.

For more information about travel insurance for students, visit our web site at http://www.biis.ca/e/study.html

A Hernia in Hawaii

Claim Story

You wouldn’t think a hernia could cause so much trouble. But that’s just what happened to Monica on her vacation in Hawaii. She and her husband Jonathan wisely purchased TIC’s Emergency Hospital & Medical for Canadians before they left on their trip.

Everything was going great, as vacations tend to do. Then on the forth day a large wave knocked Monica off her feet during her swim. She was hurt so her husband Jonathan took her to the hospital.

Doctors told Monica that she had a hernia. They recommended surgery. Unfortunately, she had just eaten a large lunch and the surgeon wanted to wait eight hours.

During this time TIC went into action, communicating with the hospital, arranging billing and faxing medical authorizations.

Jonathan was worried about his wife’s operation because she had just recently had a caesarian section. We wanted to make sure everything turned out okay so our medical consultant phoned throughout her hospital admission, asking for updates on Monica’s condition.

In the end, Jonathan happily reported that his wife’s surgery was a success. Doctors gave her a prescription for medication and urged her to avoid effort. Both Monica and Jonathan were impressed they had an insurance company that cared.

When they found out how much their bill was, they were ecstatic that they had bought TIC’s travel insurance. The total cost of the surgery and hospital stay was $11,145 Cdn.
We arranged for the hospital to bill us directly so Monica and Jonathan didn’t have to deal with that rather daunting amount of money. The hernia had already caused them enough grief, they didn’t need a financial headache on top

Where Will Canadians Go This Winter?

Where Will Canadians Go This Winter?

Most Canadians planning a trip this winter intend to stay in Canada, according to the August Outbound Canada report.

But many Canadians continue to take advantage of high Canadian-US exchange rates. Travel to the US continues to be strong, with destinations like Orlando, Las Vegas and Phoenix more popular than ever. Be sure to take advantage of today’s travel insurance products such as EHM, Trip Interruption or Flight Accident.

How do hurricanes affect travel?

Last year hurricanes changed travel to the Caribbean. Arrivals to Dominican Republic, Jamaica and the Cayman Islands grew by more than 10 per cent. Experts think it was because of the massive hurricane damage in Cancun.

This year the National Oceanic & Atmospheric Administration predicted and 85 per cent chance of an above-normal hurricane season, with the likelihood of 13 to 16 named storms, with seven to nine becoming hurricanes. TIC’s Trip Cancellation & Interruption plans look even better now!

Wheat are the best cities to visit in Canada?

A poll conducted by Environics Research Group surveyed over 2,000 Canadians and found that nearly one in five (19%) chose Vancouver as the number one Canadian city tourists should not miss. Quebec City came in a close second with 18%, followed by Montreal (14%), Toronto (13%) and Ottawa (8%).

Remember, even if you are leaving your province of residence but staying in Canada, Emergency Hospital & Medical for Canadians is a good idea.

EXAMPLES OF RECENT CLAIMS

A 44-year-old male travels to Colorado for a 7 day skiing vacation. He pays a $32,24 premium to his medical coverage. One day before his scheduled return, he collides with a tree while skiing and suffers multiple critical injuries. After numerous surgeries, he is transported by air ambulance back to Canada for continued care.

Cost of admission and air ambulance: $298,395.52 USD

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A 71 year-old visiting her grandson in Canada for a month, falls in a parking lot and fractures his hip. She requires immediate surgery and several days of acute rehab before being discharged. She paid $43.75 in premium.

Cost of her claim: $104,944.11 CDN

Written by TIC Talk

Retirees Benefit From Emergency Hospital & Medical Insurance When Travelling - www.biis.ca

Who knows what can happen during a trip? Mature travelers care about their health and realize the importance of making intelligent travel insurance decisions.

Most retirees and mature Canadians begin planning their vacations for the coming year in the summer. That’s why this is a good time to remind your customers about one of our most popular products: Emergency Hospital & Medical For Canadians.

Emergency Hospital & Medical insurance is the smart choice for traveling Canadians who want financial protection. Travellers receive $2 million coverage for hospital confinement and medical services. Benefits include Ambulance Services, Meals and Accommodation, Prescription Medication and more.

Many 55+ travellers don’t realize the need for additional coverage. Provincial health care plans only cover a fraction of the costs of hospital or doctor fees in other countries.

But travelers receive more than just financial coverage when they buy travel insurance. They also get support and service from TIC’s travel assistance team – like recommendations for non-medical emergencies, help in accessing needed resources and help coordinating communication between medical professional and family.

Mature travelers will also appreciate the added protection and enhanced benefits of TIC’s All-inclusive Package Plan. They receive $2 million coverage for hospital confinement and medical services plus additional coverage for Trip Cancellation & Interruption, Accidental Death & Dismemberment and more.

For further details about TIC’s Emergency Hospital & Medical travel insurance, visit http://www.biis.ca/e/travel.html

Written by TIC Talk